ATM customer defined user interface for security purposes

ABSTRACT

Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.

CROSS-REFERENCE TO RELATED APPLICATION

The present application is a continuation of co-pending U.S. patentapplication Ser. No. 14/562,485, filed Dec. 5, 2014, and titled “ATMCUSTOMER DEFINED USER INTERFACE FOR SECURITY PURPOSES,” which is herebyincorporated by reference in its entirety.

BACKGROUND

The advent of the Automated Teller Machine (ATM) has provided customerswith convenient access to perform banking operations report of thefinancial institutions. This includes deposits, cash withdraws, andother transactions, such as receiving stamps, or the like. Typically,ATM machines are located on busy street corners, drive-up windows and inother public locations. Banks and ATM designers actively pursuetechnology that will increase customer privacy when performing ATMtransactions.

BRIEF SUMMARY

Embodiments of the present invention address the above needs and/orachieve other advantages by providing apparatuses (e.g., a system,computer program product and/or other devices) and methods for a systemfor displaying a custom interface associated with a customer on a screenof an automated teller machine (ATM).

In some embodiments of the invention, the system presents, to acustomer, an option to create a customization for displaying informationon the screen of an ATM. The customization may be created through acustom application that is accessed via a mobile device, an ATM, or onanother computing device. In some embodiments, the customization will beassociated with the customer. In other embodiments, the customizationmay be created on behalf of the customer. In some embodiments, thecustomization will be associated with a function to perform a financialtransaction when the customer interacts with the customization on thescreen of the ATM.

After the customization is created, the person creating the applicationmay submit the customization to the system, where it is received.

After the customization has been received by the system, when thecustomer initiates a session with an ATM, the ATM may send a request tothe system to retrieve the customization. Upon the system receiving therequest to display the customization on the screen of the ATM, thesystem communicates the customization to the ATM.

The customer is allowed to interact with the customization on the screenof the ATM. Upon interacting with the customization, the ATM sends arequest to the system to perform a financial transaction. Upon receivingthe request to perform the financial transaction, the system performsthe financial transaction

In some embodiments, the customization can be represented as an icon onthe screen of the ATM. During the creation process, the customer mayspecify the shape, size, color and where the icon is displayed on thescreen.

In further embodiments, the customer may submit, to the system,information regarding a handicap of the customer. For example, thehandicap may be a visual impairment. In some embodiments, where thecustomer submits information regarding a visual impairment, the systemmay receive such information and as a result communicate an instructionto the ATM to enlarge the customization based on receiving theinformation that the customer is visually impaired.

In other embodiments, the customization may further comprise privateaccount information of the customer. The system may allow the customerto display the customization in a way to protect the private informationfrom being accessible or viewable to other entities. The system mayallow the customer to design the customization such that privateinformation appears at a specific location on the screen. Additionally,the system may allow the customer to design the customization such thatfor a given ATM, the ATM does not display the private information atall. Based on such a communication, the system may instruct the ATM todisplay the private information in accordance with the design of thecustomer.

In some embodiments, while the system may suggest a customization to acustomer. The customization may be based on the financial transactionhistory of the customer, a typical transaction the customer makes,accounts the customer holds, and the like.

In other embodiments, the financial transaction may comprise a specifictype of transaction such as transferring money from a first account heldby the customer into a second account held by the customer, paying abill, withdrawing money from an account. In other embodiments, thecustomization may further comprise a function to perform a reportingtask. The reporting task may be reviewing a financial document,reviewing a stock quote, displaying the weather forecast, and the like.

In some embodiments, the customization may further comprise aninstruction for the ATM to communicate an audible signal when thecustomer interacts with the customization. As was previously suggested,the system may receive information of a handicap of the customer. As aresult, the customization may instruct the ATM to generate a properoutput to the customer based on the handicap, such as an audible signalbased for a customer with sight issues.

In other embodiments, the customization further comprises a securitycredential. When the customer interacts with the customization, thecustomization may require the ATM to take additional security measuresin order to verify the customer. Based on the result of the securitymeasure, the system may determine whether to perform the financialtransaction.

In other embodiments, the customization further comprises a restrictionfor displaying the customization on the ATM. The system may communicatethe customization based on such a restriction. The restriction mayrelate to a time of day or day of the week, the maintainer of the ATM, alocation of the ATM and the like.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made to the accompanying drawings, wherein:

FIG. 1A provides a flow diagram of a method for receiving acustomization for an ATM interface for displaying the ATM interface onthe screen of an ATM, in accordance with one embodiment of the presentinvention;

FIG. 1B Provides a flow diagram of a method for communicating acustomization to an ATM for displaying said customization on a screen ofthe ATM;

FIG. 2 provides a schematic and block diagram of a system configured forreceiving customizations for an ATM interface for displaying the ATMinterface on the screen of an ATM, in accordance with one embodiment ofthe present invention;

FIG. 3A provides a flow diagram of a method for creating an ATMinterface based on a customization associated with a customer andcommunicating the ATM interface to an ATM for displaying the ATMinterface on the screen of the ATM, in accordance with one embodiment ofthe present invention;

FIG. 3B provides a flow diagram of a method for creating and displayinga customization associated with a customer on the screen of an ATM;

FIG. 3C provides a flow diagram of the method for creating anddisplaying the customization associated with the customer on the screenon the ATM;

FIG. 4 provides a schematic and block diagram of a custom interfacedevice configured for receiving customizations for an ATM interface fordisplaying the ATM interface on the screen of an ATM, generating thecustom ATM interface, and communicating the ATM interface to the ATM, inaccordance with one embodiment of the present invention;

FIG. 5 provides a schematic and block diagram of a banking system, inaccordance with one embodiment of the present invention;

FIG. 6 provides a schematic and block diagram of a custom computingdevice for creating customizations for an ATM interface andcommunicating the customization, in accordance with one embodiment ofthe present invention;

FIG. 7 provides a schematic and block diagram of an ATM, in accordancewith one embodiment of the present invention;

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Like numbers refer to elements throughout. Wherepossible, any terms expressed in the singular form herein are meant toalso include the plural form and vice versa, unless explicitly statedotherwise. Also, as used herein, the term “a” and/or “an” shall mean“one or more,” even though the phrase “one or more” is also used herein.

Although some embodiments of the invention herein are generallydescribed as involving a “financial institution,” one of ordinary skillin the art will appreciate that other embodiments of the invention mayinvolve other businesses that take the place of or work in conjunctionwith the financial institution to perform one or more of the processesor steps described herein as being performed by a financial institution.Still in other embodiments of the invention the financial institutiondescribed herein may be replaced with other types of businesses thatoffer Automated Teller Machines (ATM).

Some portions of this disclosure are written in terms of a financialinstitution's unique position with respect to customer transactions. Assuch, a financial institution may be able to utilize its unique positionto create and update ATM transactions with a customer.

The embodiments described herein may refer to the initiation of atransaction, transaction event initiated, or ATM event at to trigger thesteps, functions, routines, or the like described herein. In variousembodiments, occurrence of a transaction triggers the sending ofinformation such as authentication information or the like via an ATM toinitiate an ATM transaction. Unless specifically limited by the context,a “transaction”, “transaction event” or “point of transaction event”refers to any customer interaction with an ATM. As used herein, a “bankaccount” refers to a credit account, a debit/deposit account, or thelike. Although the phrase “bank account” includes the term “bank,” theaccount need not be maintained by a bank and may, instead, be maintainedby other financial institutions. For example, in the context of afinancial institution, a transaction may refer to one or more of acustomer interaction with an ATM, such as an account balance inquiry, apayment, a purchase, a withdraw, a rewards transfer, an account moneytransfer, an opening of a bank account, and/or the like.

In some embodiments, an ATM is or includes an interactive computerterminal that is configured to initiate, perform, complete, and/orfacilitate one or more transactions. An ATM could be or include anydevice that a customer may use to perform a transaction with an entity.

In some embodiments, an ATM is operated in a public place (e.g., on astreet corner, in an open market, at a public rest stop, or the like).In other embodiments, the ATM is additionally or alternatively operatedin a place of business (e.g., in a retail store, post office, bankingcenter, grocery store, factory floor, or the like). In accordance withsome embodiments, the ATM is owned by the financial institutionproviding the ATM. In other embodiments, the ATM is owned by one or morethird party merchants. In yet other embodiments, the ATM is owned byother financial institutions.

Embodiments of the present invention address the above needs and/orachieve other advantages by providing an apparatus (e.g., a system,computer program product, and/or other devices) and methods fordisplaying customized displays on an automated teller machine (ATM). Inthis way, the invention receives and authenticates security credentialsfor a customer in order to present customized displays that areassociated with the customer on an ATM so the customer may performfinancial transactions and view data associated with customer accounts.

In some embodiments, the invention may be configured to receive requestsfrom a customer to add or change customized features on one of thecustomer specific displays. The system will store the feature and thenpresent the customer with the updated display showing the feature. Thusthe customer can setup the displays in a manner that is comfortable tothe customer.

In some embodiments, the customer may customize what information isdisplayed in particular scenarios. Some scenarios may be based onparameters such as whether the ATM being used belongs to a particularfinancial institution, the time of day that the ATM is accessed, and thescreen size of the ATM. Further, the invention may be configured todisplay information based on typical transactions that a customerperforms.

In some embodiments, the customized display may also incorporatenavigation controls that allow the customer to select other displayswhich may be customized or standard to the financial institution or thespecific ATM.

In some embodiments, the invention display may present information thatis associated with one of the customer accounts and may also allow thecustomer perform a transaction associated with the accounts. Some of thetransactions may include withdrawing a specific amount of money from aselected account, performing a transaction associated with an investmentaccount, pay a bill, deposit money into an account, transfer moneybetween accounts, or view a financial record.

In addition, to specifying the content on the display, the customer mayalso customize the way it appears on the display. The customer mayselect where on the display the content appears. Additionally, thecustomer may also select features for displaying the content such as:associating an icon with the content, adjusting the size of the content,applying text, and applying colors. The invention may be configured tosupply instant color schemas to aid in the customer customizing thedisplays.

In some embodiments, the invention may be configured to include in thedisplays information that is not specific to the customer but may stillbe customized by the customer. The information may include stockreports, news events, weather conditions, sports scores, and the like.

In some embodiments, the invention may be configured to provide featuresin the displays that provide handicap assistance. The content on thedisplay may be adjusted to provide easier viewing, or present audibletones associated with an occurrence of one of the features.

In general, an ATM that the customer uses to access the account does notneed to be maintained by the financial institution that manages theaccount of the customer. As a result, different ATMs managed bydifferent entities may result in different interfaces by which thecustomer must navigate to perform the desired transaction. Even on ATMsthat are managed by the same entity, the customer interface presented tothe customer may present challenges to a customer in not providing thefunctionality required by the customer or present the information in away that is not familiar to the customer. As a result, the customer notbe able to perform functions on the ATM or may need to enter into aservice center of the financial institution that manages the customer'saccount to perform the transaction. Depending on the time of the day orthe day on which the customer desires to perform the transaction, theservice center may be closed and prevent the customer from performingthe transaction at the point in time.

Accordingly, one aspect of the present invention embraces an method bywhich the customer may customize an interface of an ATM for ease ofnavigation and include on the interface customizations to performspecific transactions on an account associated with the customer thatmay not be typically available on other ATMs (e.g. pay a bill associatedwith a merchant). Following this method, the customer initiates asession with a custom interface system using a computing device (e.g.mobile device). The customer creates an interface by selectingcustomizations on the computing device and associating transactions tothe customization. The customer communicates the customization to thecustom interface system which associates the customization with thecustomer and stores the customization. At another point, when thecustomer accesses an ATM, the ATM will request from the custom interfacesystem an interface for the customer. The custom interface system willretrieve the customizations for the customer and create a customized ATMinterface. Based on retrieving the customizations, the custom interfacesystem will then communicate the interface to the ATM in order todisplay the customizations to the customer.

Referring to FIG. 1A, a flow diagram of a method 100 for receiving acustomization for an ATM interface for displaying the ATM interface onthe screen of an ATM. The first step of method 100 is represented byblock 102 for initiating a customization session from a customer. Thecustomer may initiate the customization session with the custominterface system by using a computing device. The computing device maybe a personal mobile device or some other form of computing device. Insome embodiments, the computing device may contain a web browsing modulewherein the customer directs the browser to a web address which sends arequest to the custom interface system. The custom interface sessionsends a response back to the customer. In some embodiments, the responsemay be a web application that is processed by the browser of thecomputing device which allows the customer to create the ATM interface.In other embodiments, the computing device may contain an executableprogram that is executed by the processor of the computing device (e.g.a mobile application). The executable program is capable of initiating asession with the custom interface system by sending a request to thesystem wherein the system communicates a response back to the computingdevice which may be a message stating the session has been initiated.The system may further store a session key associated with the sessionand communicate the session key to the computing device.

The next step of method 100 is represented by block 104 for receiving acustomization. In some embodiments, either the web application or theapplication executed by the computing device allows the customer todesign an interface for ATM by designing customizations. In someembodiments, a customization is a graphical aid displayed on the screenof an ATM which is associated with at least one function. The graphicaid may be an icon or another visual display. The customer may be ableto specify features for the graphic aid (e.g. size, shape, color,opacity, position, or the like). The customer may also associate atleast one function with the customization and an event (e.g. touchingthe graphic aid on the screen of an ATM) such that when the event hasbeen triggered, the ATM may be customized to perform the at least onefunction associated with the customization. The function triggered bythe ATM may be a withdrawal of money from a financial account, atransfer funds between accounts, a payment of a bill from an account, arequest to view a balance of an account, sending an email to aparticular address, printing a receipt, and generating a report.Functions may be combined and executed by a specific event. For example,a customer may define a customization and associate with thecustomization an event wherein upon pressing an icon on the display ofan ATM, the ATM will execute a request to withdraw twenty dollars from achecking account associated with the customer, send the customer anemail detailing that the ATM executed the transaction, and print areceipt with the balance of the checking after the withdrawal.

After the customer has defined a customization, the customer may submitthe customization to the custom interface system via the computingdevice. The computing device may send a request to the computing devicewhich comprises information about the customization, customerinformation, and session information.

The next step of method 100 is represented by block 106 for retrievingcustomer information. Upon receiving the request containing thecustomization, the custom interface system may analyze the request forcustomer information. The customer information may be a customeridentification number or another identification number that isassociated with the customer. The system may also analyze the requestfor a session identifier wherein the identifier contains informationabout a session stored on the system associated with the customer andcontains information about the customer. Upon analyzing the request forcustomer information, the system may further retrieve other informationfrom a data store about the customer. For example, the system mayretrieve the preferences of the customer, financial account informationassociated with the customer, and the like.

In block 108 the customization is stored in a data store.

FIG. 1B illustrates a method 120 for communicating a customization to anATM for displaying said customization on a screen of the ATM. Block 122of method 120 illustrates presenting an option, to a customer, to createa customization. The system may present an application to the customer.In some embodiments, the system may manage a web server thatcommunicates a web application to the customer. In other embodiments,the application may refer to an application that is executed by a mobiledevice. While in other embodiments, the application may be presented tothe customer on an ATM. Regardless of the application, the customer maycreate the customization using the application.

The customization will be displayed on the screen of an ATM as a resultof the customer initiating a session with the ATM. The customizationwill be associated with the customer. In some embodiments, thecustomization may only be displayed on the screen of an ATM when thecustomer initiates a session with the ATM. In other embodiments, thecustomer may share or give access to another person to thecustomization. The system may make a record of the sharing. Therefore,when the other person initiates a session with the ATM, the ATM willdisplay the customization for the other person.

The customization may be represented by an icon. The customer will havethe ability to determine the shape, size, color, image, and screenposition of the icon as it relates to a screen on the ATM. Additionally,the customer may select functions for the ATM to perform based on thecustomer interacting with the customization on the screen of the ATM.The functions may be financial or reporting in nature. For example, thefunction may relate to transferring money from one account to another,paying a bill, or withdrawing money from the ATM. Where the function isreporting, the function may be viewing a document, receiving news orstock reports, and sending a communication. The customization may beassociated with multiple functions. For example, the customization mayhave a function to transfer money from a savings to a checking account,withdraw a given amount of money and then send an email to an emailaddress of the customer stating the withdrawal was made.

Interacting with the customization may be done in any manner availablethrough an ATM, which includes but is not limited to using a buttonassociated with the ATM, using a touchscreen on the ATM, using voicecommand if available on the ATM, and the like. In some embodiments, thecustomer may interact with the ATM through a mobile device in order tointeract with the customization. In such an embodiment, the mobiledevice may show the customization and after the customer interacts withthe customization, the mobile device may communicate a request to theATM to perform the function associated with the customization, such asby WiFi, near field communication, Bluetooth, etc. . . .

Block 124 of the method 120 illustrates receiving the customization. Insome embodiments, the system receives the customization as a result ofthe customer creating the customization using the application. In otherembodiments, the system may suggest a customization to the customer. Thesuggestion may be based on a financial history of the customer. In otherembodiments, the system may track the transactions that a customerperforms at a particular ATM and makes a suggestion based on trackingthe transactions. In other embodiments, the customization may be basedon the popularity of a customization among a group of people. Forexample, the system may track a particular customization based on thenumber of times the customization is shared. In other embodiments, thesystem may present a list of generic customizations and track the amountof the times that each customization is selected. In other embodiments,the system may suggest the customization based on another personsuggesting the customization to the customer. In each case, the customermay select or create the customization and based on such, the systemreceives the customization.

The customization the financial information associated with thecustomization is associated with an individual. In some embodiments, thefinancial information may relate to the customer. In other embodiments,the financial information may relate to another person. For example, aparent may share a customization with a child, wherein the customizationcomprises a function to withdraw a given amount of money from an accountof the parent. In other embodiments, the financial information may berelated to a customer once the customer accepts the customization. Thesystem may refer a popular customization to the customer. As thecustomer selects the customization, the system may associate financialinformation of the customer with the customization. For example, acustomization may be suggested to the customer which moves a givenamount of money from a checking account to a savings account every timethe customer performs a withdrawal using the ATM. Before the customerselects the customization, the customization is generic and is notrelated any given person. As the customer selects the customization, thesystem may request to know which accounts to use in for withdrawing anddepositing.

Block 126 of method 120 illustrates receiving a request to display thecustomization on the screen of an ATM. When the customer initiates asession with an ATM. The ATM may send a request to the system where thecustomization is stored. Based on receiving the request, the system maysend the customization to the ATM. In some embodiments, the customer mayspecify restrictions for displaying the customization. In someembodiments, the customization may be restricted to the type of ATM thatmay display it. In other embodiments, the customer may restrict thecustomization to a time of day or a day of the week in which thecustomization may be displayed. In other embodiments, the customer mayfurther restrict the customization once a particular threshold has beenreached. For example, the customer may restrict the customization frombeing displayed until the customer has transferred a given amount ofmoney from a checking account into a savings account. Another examplewould state that the customization could not be displayed if thecustomer has withdrawn a given amount of money out of one account. Afterthe system receives the request to display the customization, the systemmay communicate the customization to the ATM, as illustrated in block128.

Block 130 of method 120 illustrates receiving a request to perform afinancial transaction based on the customer interacting with thecustomization on the screen of the ATM. In some embodiments, the systemmay require the ATM to request additional security credentials from thecustomer. This additional security may be specified by the customerduring the creation of the customization or may be required by thesystem automatically or based on particular factors such as the balanceof an account of the customer, a transaction history, and a credit scoreof the customer. Additionally, the system may scan for duplicitoustransactions. The scanning may be for an account of the customer or itmay be for a particular ATM.

Where the system requires additional security credentials in order toauthenticate the customer, the system may direct the customer to inserta personal identification number (PIN), rescan a card, enter into apassword, answer a security question, and the like. After the customerhas been authenticated, the system may perform the financial transactionin accordance with block 132. In other embodiments, the system mayperform the transaction without any additional security besides theinitial security that the customer performed to initiate the sessionwith the ATM.

FIG. 2 illustrates an operating environment 200, according to oneembodiment of the invention that implements a custom interface process.As illustrated in FIG. 2, the operating environment 200 typicallyincludes a custom interface system 210 used to receive customizationsassociated with a customer 204 and generate custom ATM interfaces fordisplay on an ATM 208, a banking system 212 (e.g. for receiving requestsfrom an ATM to perform financial transactions on an account associatedwith a customer), a customer computing device 206, an ATM 208, and adatabase 214 for storing information related to customer information.

The custom interface system 210, the banking system 212, the customercomputing device 206, and the ATM 208 are typically configured tocommunicate over a network 202. The customer interface system 210, thebanking system 212, account database 214, the customer computing device206, and the ATM 208 are each described in greater detail below withreference to FIGS. 4-7. The network 202 may include a local area network(LAN), a wide area network (WAN), and/or a global area network (GAN).The network 202 may provide for wireline, wireless, or a combination ofwireline and wireless communication between devices in the network. Inone embodiment, the network 202 includes the Internet.

FIG. 3A illustrates creating an interface for display on an ATM 208based on receiving customizations associated with a customer 204. Atblock 302, the custom interface system 210 receives a request, from acustomer 204, to initiate an ATM session. In some embodiments, the ATM208 is equipped with a magnetic card reader, a display, and a keypad.The customer 204 may access the ATM 208 by swiping a bank card with themagnetic card reader and entering a personal identification number(PIN). In other embodiments, the ATM may request another form ofauthenticating the customer. After the ATM 208 receives the customercredentials, the ATM may be configured to communicate to the custominterface system 210 a request to initiate an ATM session. In addition,the ATM 208 may communicate a request to a banking system 212 forvalidation of the customer credentials. In some embodiments, the custominterface system 210 may provide authentication of the customercredentials. In yet other embodiments, the custom interface system 210may forward the customer credentials to a banking system 212 forauthenticating the customer credentials, upon which the banking system212 communicates a response back to the custom interface system 210.

At block 304, the custom interface system 210 sends a response to theATM 208 containing a session identifier, thus initiating the ATMsession. In some embodiments, the custom interface system 210 stores acopy of the session identifier in memory 406. At block 306, the custominterface system 210 retrieves customer information. The custominterface system 210 may retrieve the customer information byinteracting with a database 214 or by sending a request to the bankingsystem 212 whereupon the banking system communicates a response with thecustomer information. In some embodiments, the customer informationincludes customizations defined by the customer during customizationsessions. Additionally, the customer information may include otherinformation about the customer such as bank account information,transaction history, and the like.

At block 308, the custom interface system 210 analyzes the retrievedcustomer information for customizations. If customizations are present,the custom interface system 210 may advance to block 312; however, ifthe customizations are not present, the custom interface system 210 mayadvance to block 310 in order to define customizations. In someembodiments, the defined customizations of block 310 may be generatedbased on default settings of the custom interface system 210. In otherembodiments, the customizations may be generated based on other customerinformation. For example, the custom interface system 210 may analyzethat from the customer's transaction history, the customer has performeda particular transaction on several occasions. The custom interfacesystem 210 may be configured to generate a customization based on therepeated transaction by analyzing the customer's transaction history.

At block 312, the custom interface system generates an interface fordisplay on the screen of an ATM 208. In some embodiments, the custominterface system 210 generates the interface based on the customizationsassociated with the customer. In other embodiments, the system may beconfigured to include information in addition to the customizationsassociated with the customer. For example, the system may include aweather report, a stock analysis, and the like. The additionalinformation may be based on other customer information retrieved by thecustom interface system 210.

In some embodiments, the custom interface system 210 may generate theinterface based on the ATM 208 being accessed by the customer 204. Forexample, if the ATM 208 being accessed is not maintained by thefinancial institution, the system may limit or not display any of thecustomizations associated with the customer. Additionally, the custominterface system 210 may also be configured to generate the interfacebased on other factors such as the time of day the customer accesses theATM 208, the dimensions of the screen of the ATM 208, or the location ofthe ATM 208. Finally, at block 314, the custom interface system 210communicates the interface to the ATM 208 for display on the screen ofthe ATM.

FIG. 3B and FIG. 3C illustrate a method 320 for creating an displaying acustomization on the screen of an ATM in accordance with variousembodiments of this invention. Block 322 of the method 320 illustratesreceiving a customization. In some embodiments of the invention, acustomer 204 may interact with a customer computing device 206 or an ATM208 in order to create a customization. The customization is associatedwith the customer 204. In some embodiments, the customization isdisplayed on an ATM 208 when the costumer 204 initiates a session withthe ATM 208. In other embodiments, the costumer may share thecustomization with a second person. When the second person initiates asession with the ATM 208, the ATM displays the customization. The ATM208 and the customer computing device 206 may allow the customer 204 tocreate the customization. The customization may be represented by anicon. The costumer 204 may define the shape, size, color and position onthe screen 710 of the ATM 208. The costumer 204 may also associate afunction with the customization. The function may be financial ornon-financial in nature. The customization may be associated with anynumber of functions. In addition to the functions specified by thecustomer, the custom interface system 210 may associate additionalfunctions to the customization. The customer 204 may order the functionssuch that the functions are performed in a particular order.

In addition to the customer 204 creating the functions, the custominterface system 210 may communicate various customizations to thecustomer 204 via the custom computing device 206 or the ATM 208. Thevarious customizations may be based on a transaction history of thecustomer 204. In such a case, the custom interface system 210 maycommunicate with the banking system 212 or the account database 214 inorder to obtain a transaction history of the customer 204. In otherembodiments, the custom interface system 210 may suggest a customizationbased on a second person sharing the customization with the customer204. In other embodiments, the custom interface system 210 may suggest acustomization based on the popularity of a customization. The custominterface system 210 may store several generic customizations andpresent the customizations to a customer 204 in a store like setting.The customizations in the store like setting may be presented on thecustomer computing device 206 and the automated teller machine 208. Thecustomizations on the store like setting may have customer reviews andratings. The custom interface system 210 may display the customizationsbased on the rating of the customization, the number of reviews of thecustomization, and the amount of times that a person has selected thecustomization.

In some embodiments, a customization may be associated with the specificfinancial information of the customer 204. In other embodiments, thecustomization may contain financial information associated with anotherperson. For example, a parent may create a customization which containsa function to withdraw a given amount of money with a per monthwithdrawal limit. The patent may share the customization with a child ofthe parent. The function of the customization is directed to an accountof the parent and not the child.

The function may be executed as a result of the customer 204 interactingwith the customization. The interaction may be by any method that istypical of an ATM 208, which may include but is not limited to pressingbuttons 714 on the ATM 208, interacting with a touch screen on the ATM,using voice commands on an ATM 208, and using a mobile device tointeract with the ATM 208.

In block 324 of the method 320 illustrates receiving a request todisplay the customization on the screen 710 of the ATM 208. In someembodiments, the customization may comprises a restriction. Therestriction may be defined by the customer 204 or by the custominterface system 210. The restriction may be based on an account historyof the customer 204, a credit score, a location of the ATM 208, athreshold, and the like. The custom interface system 210 may determinewhether there is a display restricting in place as illustrated in block328 of the method 320. If there is a restriction in place, the systemmay determine whether the restriction has been met as illustrated inblock 330. If the restriction has not been met, the custom interfacesystem 210 will not communicate the customization to the ATM 208 as isillustrated in block 334. In another embodiment, the custom interfacesystem 210 will communicate the customization to the ATM and allow theATM 208 to interpret the restriction.

If the restriction was met as determined in block 330 or there was not arestriction as determined in block 328, the custom interface system 210may communicate the customization to the ATM 208 as is illustrated inblock 332.

As an example of a restriction, the customization may include arestriction for displaying the customization based on a threshold. Thethreshold states that the customization may not be displayed unless acustomer 204 has deposited a $300 of money into a savings account withina month's period of time. If the customer 204 has deposited $300 ofmoney into the savings account within a month's period of time, thecustomization will be displayed.

In addition to reviewing the customization for display restrictions, thecustom interface system 210 may determine if the customization containsa request for handicap assistance as is illustrated in block 336 ofmethod 320. The banking system 212 may store information related to acustomer 204 where the customer has requested handicap assistance. Inaddition the customer 204 may request handicap assistance during asession with the ATM 208. The handicap assistance may be related to anytype of handicap. In particular the handicap may relate to a visual oraudible impairment. If the custom interface system 210 determines thatthe customer 204 has requested handicap assistance, the custom interfacesystem 210 may instruct the ATM 208 to alter the customization based onthe request. For example, where the customer 204 is visually impaired,the custom interface system 210 may instruct the ATM 208 to generate anaudible signal corresponding to the customization or change the size,appearance or location of the customization on the screen 710 of the ATM208. Where the customer 204 has requested the handicap assistance usingthe ATM 208, the ATM may interpret the customization and automaticallygenerate the change.

Block 340 of method 320 illustrates receiving the request to perform atransaction. The customer 204 may interact with the customization inaccordance with the various embodiments of this invention. When thecustomer 204 interacts with the customization, the ATM 208 maycommunicate a request to the custom interface system 210 to perform afunction.

After the custom interface system 210 has received the request, thecustom interface system 210 may determine whether the customer 204 needsto supply additional security credentials prior to conducting thefunction as is illustrated in block 342 of method 320. Such securitycredentials may be determined automatically by the custom interfacesystem 210 or may be requested by the customer 204. The credentials maybe based on analysis either based on a transaction history of thecustomer 204 or the ATM 208. For example, the custom interface system210 tracks the number of duplicitous transactions that have occurredusing a given ATM 208. The system may require additional securitycredentials based on such analysis.

If the system determines that additional security credentials arerequired in accordance with block 342, the custom interface system 210may prompt the ATM 208 to gather the credentials. The method ofgathering the credentials may be in accordance with any typical methodused by an ATM such as, but is not limited to, scanning a card,inputting a personal identification number (PIN), answering a securityquestion, etc. The ATM 208 may also request the customer 204 supplysecurity credentials through a mobile device associated with thecustomer 204. For example, the ATM 208 may communicate with the customercomputing device 206 using Bluetooth or near field communication (NFC).

After the customer 204 has submitted the credentials, the ATM 208 maycommunicate the credentials to the custom interface system 210. Afterreceiving the credentials, the custom interface system 210 may thenauthenticate the credentials in accordance with block 346 of method 320.If the credentials were properly authenticated, the custom interfacesystem 210 may then perform the function in accordance with block 348 ofthe method 320. Otherwise, the custom interface system 210 may declineto perform the function in accordance with block 350 of the method 320.

FIG. 4 depicts the custom interface system 210 in more detail. Asdepicted in FIG. 4, the custom interface system 210 typically includesvarious features such as a network communication interface 402, aprocessing device 404, and a memory device 406. The networkcommunication interface 402 includes a device that allows the custominterface system 210 to communicate over the network 202 (shown in FIG.11) with the (e.g., via the customer computing device 1104), bankingsystem 212, or the ATM 208. The network communication interface 402 mayalso allow the custom interface system to communicate with the accountdatabase 214 (e.g., to store or retrieve customizations associated witha customer).

The custom interface system 210 is typically configured to receivecustomizations associated with a customer, create custom ATM interfacesbased on the customizations, and communicate the custom interfaces to anATM. Accordingly, the customer interface system 210 typically includesone or more modules stored in memory 406, which facilitate receivingcustomizations and creating the custom interfaces. As depicted in FIG.4, the custom interface system 210 typically includes a processingdevice 404 which is communicably coupled to a network communicationinterface 402 and a memory device 406. In certain embodiments, thecustom interface system 210 is operated by a financial institution,while in other embodiments the custom interface system 210 is operatedby an entity other than a financial institution.

It should be understood that the memory device 406 may include one ormore databases or other data structures/repositories. The memory device506 also includes computer executable program code that instructs theprocessing device 404 to operate the network communicate interface 402to perform certain communication functions of the communicationinterface system 210 described herein. In one embodiment, the memorydevice 406 includes, but is not limited to, a custom interface module408, a network communication module 410, and a custom interfaceapplication 412. In some embodiments, the memory includes custominterface information specific to a customer 414.

In one embodiment, the network communication module 410 instructs theprocessing device 404 to communicate with other devices on the network202 using the network communication interface 402. Additionally, inconjunction with the network communication module 410, the custominterface module 408 instructs the processing device to communicate withthe banking system 212 in order to receive financial informationspecific to a customer and for authenticating credentials of a customer.

FIG. 5 provides a block diagram illustrating the banking system 212 ingreater detail, in accordance with an embodiment of the invention. Asillustrated in FIG. 5, in one or more embodiments of the invention, thebanking system 212 includes a processing device 504 operatively coupledto a network communication interface 502 and a memory device 506. Incertain embodiments, the banking system 212 is operated by a financialinstitution, while in other embodiments the banking system 212 isoperated by an entity other than a financial institution.

It should be understood that the memory device 506 may include one ormore databases or other data structures/repositories. The memory device506 also includes computer-executable program code that instructs theprocessing device 504 to operate the network communication interface 502to perform certain communication functions of the banking system 212described herein. For example, in one embodiment of the banking system212, the memory device 506 includes, but is not limited to, a networkserver application 508, an authentication application 510, a customeraccount data repository 512 which includes customer authentication data514 and customer account information 516, and other computer-executableinstructions or other data. The computer-executable program code of thenetwork server application 508, the authentication application 510 mayinstruct the processing device 504 to perform certain logic,data-processing, and data-storing functions of the banking system 212described herein, as well as communication functions of the bankingsystem 212. In this regard, the processing device 504 is typicallyconfigured to allow customers to access their account(s).

In one embodiment, the customer account data repository 512 includescustomer authentication data 514 and customer account information 516.The network server application 508, and the authentication application510, are configured to implement customer account information 516 andthe customer authentication data 514 (e.g., customer identificationinformation) when authenticating a customer to the banking system 212.In this regard, the customer authentication data 514 may include acustomer's customer name, password, and/or personal identificationnumber (PIN) number. The customer account information 516 may includeaccount identification information.

The customer computing device 206 may be any device that employs aprocessor and memory and can perform computing functions, such as apersonal computer or a mobile device. In this regard, FIG. 6 provides ablock diagram illustrating the customer's computing device as a mobiledevice, in accordance with embodiments of the invention. In oneembodiment of the invention, the customer computing device 206 is amobile telephone. However, it should be understood that a mobiletelephone is merely illustrative of one type of mobile device that maybenefit from, employ, or otherwise be involved with embodiments of thepresent invention and, therefore, should not be taken to limit scope ofthe embodiments of the present invention. Other types of mobile devicesmay include potable digital assistants (PDAs), pagers, mobiletelevisions, gaming devices, laptop computers, tablet computers, videorecorders, audio/video players, radios, global positioning system (GPS)devices, or any combination of the aforementioned.

The customer computing device 206 typically includes a processor 604communicably coupled to such devices as a memory 606, customer outputdevices 618, customer input device 638, a communication interface 602, apower source 608, a clock or other timer 610, a camera 612, and apositing system device 614. The processor 604, and other processorsdescribed herein, typically includes circuitry for implementingcommunication and/or logic functions of the customer computing device206. For example, the processor 604 may include a digital signalprocessor device, a microprocessor device, and various analog to digitalconverters, digital to analog converters, and other support circuits.Control and signal processing functions of the customer computing device206 are allocated between these devices according to their respectivecapabilities. The processor 604 thus may also include the functionalityto encode and interleave messages and data prior to modulation andtransmission. The processor 604 can additionally include an internaldata mode. Further, the processor 604 may include functionality tooperate one or more software programs, which may be stored in memory606. For example, the processor 604 may be capable of operating aconnectivity program, such as a web browser application 632. The webbrowser application 632 may then allow the customer computing device 206to transmit and receive web content, such as, for example location basedcontent and/or other web page content, according to a WirelessApplication Protocol (WAP), Hypertext Transfer Protocol (HTTP), and/orthe like.

The processor 604 is typically configured to use the communicationinterface 602 to communicate with one or more other devices on thenetwork 202. In this regard, the communication interface 602 typicallyincludes an antenna 622 operatively coupled to a transmitter 624 and areceiver 626 (together as a “transceiver”). The processor 604 istypically configured to provide signals to and receive signals from thetransmitter 624 and receiver 626, respectively. The signals may includesignaling information in accordance with the air interface standard ofthe applicable cellular systems of the network 202. In this regard thecustomer computing device 206 may be configured to operate with one ormore air interface standards, communication protocols, modulation typesand access types. By way of illustration, the customer computing device206 may be configured to operate in accordance with any of a number offirst, second, third, and/or fourth generation communication protocolsand/or the like. For example, the mobile device 401 may be configured tooperate in accordance with second-generation (2G) wireless communicationprotocols IS-136 (time division multiple access (TDMA)), GSM (globalsystem for mobile communication), and/or IS-95 (code division multipleaccess (CDMA)), or with third-generation (3G) wireless communicationprotocols, such as Universal Mobile Telecommunications System (UMTS),CDMA2010, wideband CDMA (WCDMA) and/or time division-synchronous CDMA(TD-SCDMA), with fourth-generation (4G) wireless communicationprotocols, and/or the like. The customer computing device 206 may alsobe configured to operate in accordance with non-cellular communicationmechanisms, such as via a wireless local area network (WLAN) or othercommunication/data networks.

The communication interface 602 may also include a communicationinterface 620. In some embodiments, the interface 620 of the customercomputing device 206 is configured to contactlessly and/or wirelesslycommunicate information to and/or from a corresponding wirelessinterface of another apparatus (e.g., an ATM or another mobile orcomputing device).

The customer computing device 206 typically has a customer interfacethat is, like other customer interfaces described herein, made up ofcustomer output devices 618 and/or customer input devices 638. Thecustomer output devices 618 include a display 634 (e.g., a liquidcrystal display or the like) and a speaker 636 or other audio device,which are operatively coupled to the processor 604. The customer inputdevices 638, which allow the customer computing device 206 to receivedata from a customer such as the customer, may include any of a numberof devices allowing the customer computing device 206 to receive datafrom a customer, such as a keypad, keyboard, touch-screen, touchpad,microphone, mouse, joystick, other pointer device, button, soft key,and/or other input device(s). The customer interface may also include acamera 612, such as a digital camera.

The customer computing device 206 may also include a positioning systemdevice 614 that is configured to be used by a positioning system todetermine a location of the customer computing device 206. For example,the positioning system device 614 may include a GPS transceiver. In someembodiments, the positioning system device 614 is at least partiallymade up of the antenna 622, transmitter 624, and receiver 626 describedabove. For example, in one embodiment, triangulation of cellular signalsmay be used to identify the approximate location of the customercomputing device 206. In other embodiments, the positioning systemdevice 614 includes a proximity sensor or transmitter, such as an RFIDtag, that can sense or be sensed by devices known to be locatedproximate a location to determine that the customer computing device 206is located proximate these known devices.

The customer computing device 206 further includes a power source 608,such as a battery, for powering various circuits and other devices thatare used to operate the customer computing device 206. Embodiments ofthe customer computing device 206 may also include a clock or othertimer 610 configured to determine and, in some cases, communicate actualor relative time to the processor 604 or one or more other devices.

The customer computing device 206 also includes a memory 606 operativelycoupled to the processor 604. As used herein, memory includes anycomputer readable medium (as defined herein below) configured to storedata, code, or other information. The memory 606 may include volatilememory, such as volatile Random Access Memory (RAM) including a cachearea for the temporary storage of data. The memory 606 may also includenon-volatile memory, which can be embedded and/or may be removable. Thenon-volatile memory can additionally or alternatively include anelectrically erasable programmable read-only memory (EEPROM), flashmemory or the like.

The memory 606 can store any of a number of applications which includecomputer-executable instructions/code executed by the processor 604 toimplement the functions of the customer computing device 206 describedherein. For example, the memory 606 may include such applications as aconventional web browser application 632, a custom interface application630, and an SMS application 628. These applications also typicallyprovide a graphical customer interface (GUI) on the display 634 thatallows the customer to communicate with the customer computing device206, the custom interface system 210, and/or other devices or systems.In one embodiment of the invention, when the customer decides to createa custom customer interface for display on an ATM, the customerdownloads or otherwise obtains the custom interface application from thecustom interface system 210 or from a distinct application server. Inother embodiments of the invention, the customer interacts with thecustom interface system 210 via the web browser application 632 inaddition to, or instead of, the custom interface application 412. Thecustom interface system 210 is typically configured to present agraphical customer interface (e.g., through a mobile banking applicationor mobile banking website) that allows the customer to use the customercomputing device 206 to control access to the customer's online bankingaccount.

The memory 606 can also store any of a number of pieces of information,and data, used by the customer computing device 206 and the applicationsand devices that make up the customer computing device 206 or are incommunication with the customer computing device 206 to implement thefunctions of the customer computing device 206 and/or the other systemsdescribed herein. For example, the memory 606 may include such data ascustomer authentication information.

FIG. 7 provides a block diagram illustrating the ATM 208 in greaterdetail, in accordance with an embodiment of the invention. Asillustrated in FIG. 7, in one or more embodiments of the invention, theATM 208 includes a network communication interface 702, a processingdevice 704, memory 740, a speaker 712, and a screen 710. In certainembodiments, the ATM 208 is operated by a financial institution, whilein other embodiments, the ATM 208 is operated by an entity other than afinancial institution.

The memory device 706 includes computer executable code that instructsthe processing device 704 to operate the network communication interface702 to perform certain communication functions of the ATM 208. In oneembodiment, the memory device 706 may include an ATM module 716, acustomization module 718, and a security module 720. The computerexecutable program code of the ATM module 716, the customization module718, and the security module may instruct the processing device 704 toperform certain login, data-processing, and data-storage functions ofthe ATM 208 described herein, as well as communication functions of theATM 208. In this regard, the processing device is typically configuredto communicate with both the banking system 212 and the custom interfacesystem 210 to receive a validate a customer seeking to perform afinancial transaction, receive a custom interface for the customer, anddisplay the custom interface on the screen 710. In some embodiments, theATM module 716 and the customization module 718 may instruct theprocessing device 704 to communicate sounds through the speaker 712.

It should be appreciated that the screen 710 may include touch screenfunctionality allowing a customer to interact with the ATM 208. In otherembodiments, the customization module 718 allows a customer to design oredit a custom interface associated with the customer using the screen710. Such interface may be communicated to the custom interface system702.

In some embodiments of the invention, the customization may compriseprivate or sensitive customer information such as a balance of a bankaccount or an account number. The customer 204 may desire that thisinformation be either displayed in a manner on the ATM 208 that wouldprevent another person from viewing the information or not display theinformation at all on a given ATM 208. Where the customer 204 designsthe customization, the customer 204 may add detail to the customizationto prevent the exposure of the private or sensitive information. In oneembodiment, the customer 204 may designate that the customization shouldnot be displayed for a given ATM 208. The given ATM 208 may bedesignated by one of many methods, including, but not limited to,selecting only ATMs 208 that are managed by a financial institution thatthe customer 204 holds an account with, ATMs 208 within a designatedgeographic area, ATMs 208 that are of a given make or model, ATMs 208that offer security features such as a limited viewing angle, ATMs 208that are located indoors or within the confines of a financialinstitution, and a time of the day that a transaction is processed.Additionally, the custom interface system 210 may also provideadditional features to the customization for security purposes. Thecustom interface system 210 may automatically determine whether todisplay sensitive information based on the above factors. The custominterface system 210 may also prompt the customer 204 to determinewhether to display the sensitive information or not. The custominterface system 210 may also partially display the sensitiveinformation. For example, the custom interface system 210 may only showthe last four digits or an account balance. In other embodiments, thecustom interface system 210 may require the customer 204 to providesecurity credentials for authentication prior to prompting the ATM 208to display the sensitive information.

In another embodiment, the customer 204 may design the customization toplace sensitive information on a designated area of the screen of theATM 208. For example, the customer 204 may elect to place theinformation at the bottom center of the screen. The customer 204 mayelect to display information in this manner based on the above statedfactors. The custom interface system 210 may also automatically locatethe sensitive information on the screen 710 of the ATM 208. In someembodiments, the custom interface system 210 may receive personalinformation about the user and display the sensitive information basedon the personal information. For example, the custom interface system210 may receive the height of the customer 204. The custom interfacesystem 210 may determine an optimal height to display the sensitiveinformation on the screen 710 that would prevent the sensitiveinformation from being viewed by another entity but allow the customer204 to view the information. As another example, the custom interfacesystem 210 may determine whether the customer 204 is right or lefthanded. Based on such a determination, the custom interface system 210may place the sensitive information on the side that which the customer204 is dominant. The custom interface system 210 may also determine toprovide the sensitive information to the customer 204 in a secondarymanner. For example, the custom interface system 210 may communicate thesensitive information to a personal computing device of the customer204. The custom interface system 210 may prompt the ATM 208 to displayan option to the customer 204 to communicate the sensitive informationto the customer 204. The sensitive information may be communicated byemail, SMS, or the like.

As will be appreciated by one of ordinary skill in the art, the presentinvention may be embodied as an apparatus (including, for example, asystem, a machine, a device, a computer program product, and/or thelike), as a method (including, for example, a business process, acomputer-implemented process, and/or the like), or as any combination ofthe foregoing. Accordingly, embodiments of the present invention maytake the form of an entirely software embodiment (including firmware,resident software, micro-code, and the like), an entirely hardwareembodiment, or an embodiment combining software and hardware aspectsthat may generally be referred to herein as a “system.” Furthermore,embodiments of the present invention may take the form of a computerprogram product that includes a computer-readable storage medium havingcomputer-executable program code portions stored therein. As usedherein, a processor may be “configured to” perform a certain function ina variety of ways, including, for example, by having one or moregeneral-purpose circuits perform the functions by executing one or morecomputer-executable program code portions embodied in acomputer-readable medium, and/or having one or more application-specificcircuits perform the function.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, infrared, electromagnetic, and/orsemiconductor system, apparatus, and/or device. For example, in someembodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as apropagation signal including computer-executable program code portionsembodied therein.

It will also be understood that one or more computer-executable programcode portions for carrying out operations of the present invention mayinclude object-oriented, scripted, and/or unscripted programminglanguages, such as, for example, Java, Perl, Smalltalk, C++, SAS, SQL,Python, Objective C, and/or the like. In some embodiments, the one ormore computer-executable program code portions for carrying outoperations of embodiments of the present invention are written inconventional procedural programming languages, such as the “C”programming languages and/or similar programming languages. The computerprogram code may alternatively or additionally be written in one or moremulti-paradigm programming languages, such as, for example, F#.

It will further be understood that some embodiments of the presentinvention are described herein with reference to flowchart illustrationsand/or block diagrams of systems, methods, and/or computer programproducts. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a general purpose computer, specialpurpose computer, and/or some other programmable data processingapparatus in order to produce a particular machine, such that the one ormore computer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

It will also be understood that the one or more computer-executableprogram code portions may be stored in a transitory or non-transitorycomputer-readable medium (e.g., a memory, and the like) that can directa computer and/or other programmable data processing apparatus tofunction in a particular manner, such that the computer-executableprogram code portions stored in the computer-readable medium produce anarticle of manufacture, including instruction mechanisms which implementthe steps and/or functions specified in the flowchart(s) and/or blockdiagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with operator and/orhuman-implemented steps in order to carry out an embodiment of thepresent invention.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of, and not restrictive on, the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations and modifications ofthe just described embodiments can be configured without departing fromthe scope and spirit of the invention. Therefore, it is to be understoodthat, within the scope of the appended claims, the invention may bepracticed other than as specifically described herein.

What is claimed is:
 1. A system for displaying a custom interfaceassociated with a customer on a screen of an automated teller machine(ATM), the system comprising a non-transitory storage device; acommunication device; a processing device operatively coupled to thestorage device and the communication device; at least one module storedin said storage device and comprising instruction code that isexecutable by at least one processor and configured to cause said atleast one processor to: present, to the customer, an option to create acustomization for displaying on the screen of the ATM when the customerinitiates a session with the ATM, wherein the customization isassociated with a function to perform a financial transaction when thecustomer interacts with the customization on the screen of the ATM,wherein the customization comprises a security credential; receive thecustomization; receive a request to display the customization on thescreen of the ATM based on the customer initiating the session with theATM; receive the security credential based upon the customer;communicate the customization to display on the screen of the ATM basedon receiving the request to display the customization; receive a requestto perform the financial transaction based on the customer interactingwith the customization on the screen of the ATM; and perform thefinancial transaction based on receiving the request to perform thefinancial transaction.
 2. The system of claim 1, wherein the option tocreate the customization is presented to a computing device of thecustomer.
 3. The system of claim 2, wherein the computing device of thecustomer is a mobile device.
 4. The system of claim 2, wherein thecustomization is received from the computing device of the customer. 5.The system of claim 1, wherein the function to perform the financialtransaction comprises sending an email.
 6. The system of claim 1,wherein the function to perform the financial transaction comprisesprinting a receipt.
 7. The system of claim 1, wherein the function toperform the financial transaction comprises withdrawing money from afinancial account of the customer.
 8. A computer program product fordisplaying a custom interface associated with a customer on a screen ofan automated teller machine (ATM) the computer program product includinga non-transitory computer-readable medium having computer program codeembodied therein, the computer program code comprising: an executableportion for presenting, to the customer, an option to create acustomization for displaying on the screen of the ATM when the customerinitiates a session with the ATM, wherein the customization isassociated with a function to perform a financial transaction when thecustomer interacts with the customization on the screen of the ATM,wherein the customization comprises a security credential; an executableportion for receiving the customization; an executable portion forreceiving a request to display the customization on the screen of theATM based on the customer initiating the session with the ATM; anexecutable portion for receiving the security credential based upon thecustomer; an executable portion for communicating the customization todisplay on the screen of the ATM based on receiving the request todisplay the customization; an executable portion for receiving a requestto perform the financial transaction based on the customer interactingwith the customization on the screen of the ATM; and an executableportion for performing the financial transaction based on receiving therequest to perform the financial transaction.
 9. The computer programproduct of claim 8, wherein the option to create the customization ispresented to a computing device of the customer.
 10. The computerprogram product of claim 9, wherein the computing device of the customeris a mobile device.
 11. The computer program product of claim 9, whereinthe customization is received from the computing device of the customer.12. The computer program product of claim 8, wherein the function toperform the financial transaction comprises sending an email.
 13. Thecomputer program product of claim 8, wherein the function to perform thefinancial transaction comprises printing a receipt.
 14. The computerprogram product of claim 8, wherein the function to perform thefinancial transaction comprises withdrawing money from a financialaccount of the customer.
 15. A computer-implemented method fordisplaying a custom interface associated with a customer on a screen ofan automated teller machine (ATM), the method comprising: presenting, tothe customer, an option to create a customization for displaying on thescreen of the ATM when the customer initiates a session with the ATM,wherein the customization is associated with a function to perform afinancial transaction when the customer interacts with the customizationon the screen of the ATM, wherein the customization comprises a securitycredential; receiving the customization; receiving a request to displaythe customization on the screen of the ATM based on the customerinitiating the session with the ATM; receiving the security credentialbased upon the customer; communicating the customization to display onthe screen of the ATM based on receiving the request to display thecustomization; receiving a request to perform the financial transactionbased on the customer interacting with the customization on the screenof the ATM; and performing the financial transaction based on receivingthe request to perform the financial transaction.
 16. Thecomputer-implemented method of claim 15, wherein the option to createthe customization is presented to a computing device of the customer.17. The computer-implemented method of claim 16, wherein the computingdevice of the customer is a mobile device.
 18. The computer-implementedmethod of claim 16, wherein the customization is received from thecomputing device of the customer.
 19. The computer-implemented method ofclaim 15, wherein the function to perform the financial transactioncomprises sending an email.
 20. The computer-implemented method of claim15, wherein the function to perform the financial transaction comprisesprinting a receipt.